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Consumer Finance

Yusys’ consumer finance solution is an all-round and full life cycle industry solution for consumer financial institutions based on core system development, business operation cooperation, technology empowerment of financial institutions, and Yusys’ consumer finance business innovation experience of more than 10 years. It covers complete solutions for the entire life cycle of consumer finance company opening preparations, technological operations, business innovations, data cooperation, and asset fund integration.

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Finance Companies

As a leading corporation in the domestic financial technology industry, Yusys Technologies entered the financial company service field that represents the group's industrial finance, in 2015. After years of efforts, it has gained the ability to serve financial company infrastructure, service groups, and serve upstream and downstream financial technology services in all fields. Among them, infrastructure construction of finance companies includes unified business construction, data construction, and channel construction. Group services take treasury management as the core, covering internal liquidity, unified investment and financing, and risk management, and industry upstream and downstream services include supply chain finance and scenario finance associated with group enterprises.

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Auto Finance

At present, Yusys Technologies has established cooperative relationships with a number of auto finance, banking, and financial company customers in the fields of retail car purchase, inventory financing, and financial leasing, and has established an auto finance team within the company. It has a team of nearly 100 people and serves all kinds of financial customers in China, and is committed to providing one-stop automotive financial informatization solutions including customer acquisition, channel connection, mobile office, loan approval, contract management, loan payment, and post loan management.

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Securities and Trust

Yusys Technologies has participated in IT construction in the trust and securities industries since 2010. It has successively cooperated with trust clients such as CITIC Trust, CCB Trust, Ping An Trust, Foreign Trade Trust, AVIC Trust, Minmetals Trust, Kunlun Trust, and other trust customers, and cooperated with Shenwan Hongyuan Securities , Industrial Securities, Guotai Junan Securities, CITIC Securities, China Development Bank Securities, and other securities customers. It has established a team that is proficient in the trust and securities business and formed a complete set of mature product solutions and systems. Yusys Technologies takes the trust and securities market as a breakthrough and has gradually established its product advantages in the trust, securities and the entire asset management industry!

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Finance Leasing

With its rich experience and leading technology in financial IT consulting services, program planning, product development, as well as in-depth understanding and extensive cooperation in the financial leasing industry, Yusys Technologies is facing an increasingly sophisticated and professional format, adhering to "technology + products+business+operation” integrated strategy, which empowers financial leasing technology, improves quality and efficiency, and actively tailors the best IT solutions for financial leasing companies.

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Integrated Management Solution

Standard business processing procedures and rules:Flexibly design standardized and unified business processing procedures, formulate unified business rules, reduce participation in institutional system development, reduce system complexity, and ensure safe, stable and efficient system operation.Efficient fund payment and clearing function:Support 24*7 business operation, meet customers’ all-weather payment needs, and adopt real-time processing and full settlement of funds for payment business. Every payment business is received in real time, realizing zero inter-agency fund clearing in transit, providing customers with convenient and efficient payment and settlement services, and improving the efficiency of fund use.

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Online Loan Operation

After several years of development and operation, Yusys Technologies' online loan platform has the characteristics of "fast launch, good scalability, and easy operation and maintenance". It flexibly adopts the cooperation model of "profit before paying", giving full play to the "zero cost investment" to build the online loan operations. The financial platform helps various banks and credit institutions to expand the scale of the online lending market while optimizing their asset structure, improve capital quality, and reduce financial risks. Yusys Technologies also provides comprehensive operational support for customers' online loan business, from whitelisting services, marketing services, risk control consulting, to modeling services, customer management, and risk monitoring. The nearly 200-person team covers various roles such as product, technology, operation, and maintenance, and all team members have internet financial technology and banking experience.According to the IDC report, the market share of Yusys Technologies' online loan solutions ranks first in the industry.

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Smart Bank Branch Operation

Yusys Technologies has an industry-leading overall smart banking solution, which aims to help banks quickly realize smart and digital transformation. It helps banks quickly transform from traditional outlets to smart banks with data knowledge plus platform operation as the core, and help banks through various advanced concepts, equipment, and technology applications combined with the banks’ customers, businesses, products and services. It focuses on changes in customer structure and needs, from omni-channel integration, smart interaction, smart insight, smart operations, digital operations, precision marketing, and smart management and control perspectives. The solution has led to in-depth changes in branch positioning, business models, spatial environment, transaction processes, service processes, marketing models, and management and control models in different dimensions to comprehensively improve branch service efficiency, customer experience and branch capacity, effectively reducing banks’ operating costs and improving operating efficiency.

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Big Data Risk Scoring

Yusys Technologies aims to help financial institutions develop stably and has partnered with several big data risk control companies in China for intelligent risk control and anti-fraud measures. Leveraging its more than 20 years of service experience in the banking industry, Yusys Technologies has integrated the data capabilities of authoritative institutions such as public security, social security, UnionPay, railways, and aviation, and introduced the world’s leading knowledge map, neural network, machine learning, and other technical capabilities to create an intelligent risk control and anti-fraud product system. The solution includes verification products, anti-fraud scoring, risk warning, marketing customer profiles, and “Wallet Location Radar ”, providing financial institutions with "targeted marketing – intelligent anti-fraud-application approval – risk warning" and other intelligent risk control throughout the process.

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Existing Customer Remarketing Platform

As traffic dividends and demographic dividends are gradually disappearing, how to tap new traffic opportunities in the remaining market and accurately reach target customers has become an urgent problem for many financial institutions. Accordingly, Yusys Technologies launched SCM, a remarketing platform for existing customers. The SCM platform adopts a cooperative operation model. Financial institutions do not need to bear any costs in the early stage, but pay according to the marketing conversion results. To improve customer contribution, retention, and brand awareness, the platform uses big data and machine learning to conduct accurate customer analysis and product marketing.

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Scenario-Based Financial Operations

Upholding the principle of win-win concept, Yusys helps financial institutions improve their digital financial service capabilities, and expand the open financial business ecosystem through open financial empowerment service platforms connecting financial scenarios , . The services mainly include business consultation, technical consultation, scenario docking, smart risk control, credit card business SaaS service, operation support, and data analysis, etc.

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Consultation

Yusys Technologies combines advanced Chinese and international management concepts and business models to provide IT planning consulting, business and management consulting, and commercial software implementation consulting. The company’s high-quality expert think tanks rely on their years of experience, understanding and grasp of the domestic financial IT industry to provide increasingly advanced perspectives for the financial industry, help improve bank operations and management, implement management concepts into specific business consulting services, and provide advanced system tools in the industry. The advantages of Yusys Technologies' consulting services are reflected in its comprehensive consulting, integration, and implementation capabilities for different customers and projects in the industry.

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User Experience and Design

The User Experience Innovation Division has conducted more than 10 years of user experience research, has strong exposure to user experience projects in China and foreign countries, and has good international vision as well as a fully functional user experience innovation laboratory. Yusys uses scientific methods that take into account China's domestic situation and social conditions, to provide customers with high-quality user experience research, design, evaluation, standardization, and training, and treats design as a dynamic process. In the design process, the designers, engineers, and marketing planning and promotion experts improve the products and services. The services include human-computer interaction, usability research, interface design, and customer experience research and cover many industries such as education, finance, communications, healthcare, internet, and transportation.

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Application Development

Yusys Technologies provides financial industry customers with diversified technologies, multi-region support, and full life cycle technology development services. Leveraging its professional CMMI5, ISO9001, ISO20000, and ISO27001 certification, Yusys provides customers with standard technology development services. So far, Yusys has provided technology development services to more than 750 financial institutions from home and abroad. Thanks to its ever-growing industry exposure and experience, Yusys can help customers save costs and improve IT development.

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Testing

As a software and IT service company that provides a full range of products to the financial industry, Yusys Technologies' testing services have become an integral component in the whole product lines. The testing team focuses on continuously improving the quality of application systems, controlling system performance and availability, controlling project costs and risks, and creating a reliable testing service brand. Keeping track of international leading technologies, Yusys Technologies' testing team has accumulated rich best practices, and is committed to providing customers with high-quality testing services.

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Operation and Maintenance

After more than 20 years of experience and ongoing development in the financial industry, Yusys Technologies’ operation and maintenance business has established a multi-dimensional integrated delivery model of "system consulting + operation and maintenance products + technical support", and has established a high-end expert team, with solutions and implementation capabilities for new development, operation, optimization, and continuous improvement of data center. The company is now the leading operation and maintenance service provider in the industry.

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IT System Value-added Services

The IT system value-added services cover all-round services such as financial data center consulting planning, construction implementation, security maintenance, etc. Through cloud computing, big data, distributed technology, agile operation, and other technical means, Yusys enables financial customers to build advanced IT architecture, agile IT capabilities, and ensures their strong IT performance, to realize a transformation from the status quo into sensitive-state data centers.

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Regulatory Compliance

Regulatory Compliance

Unified supervision platform

Unified supervision platform

Based on the experience accumulated in serving the financial industry for 20 years, Yusys has launched its own unified regulatory reporting platform to meet the requirements of financial institutions for indexing and detailed reporting, and to realize a unified platform, unified data, and unified management for various regulatory reporting. The platform supports the expansion of various newly-added regulatory reporting, and at the same time reduce the subsequent software and hardware investment and optimize the operation process through developing a unified and centralized regulatory management platform, thereby achieving centralized management of regulatory reporting. The unified supervision reporting platform not only helps customers to establish a set of supervision reporting systems, but also achieves different business goals, such as improving the supervision reporting process, enhancing automation and quality of report, as well as enabling business personnel to use business data independently.
1104 Off-site supervision and reporting

1104 Off-site supervision and reporting

The 1104 off-site supervision reporting system provided by Yusys Technologies relies on a unified supervision platform and builds a unified index system in accordance with the concept of unified supervision, which not only satisfies the CBRC’s 1104 off-site supervision reporting system, but also satisfies other regulatory requirements. The statistical calibers of all kinds of regulatory reports are consistent under the same reporting index, and the data consistency in cross-regulatory reports are guaranteed. The product supports the configuration of the supervision report sample in Excel mode, and supports the verification of report data such as intra table logic verification, inter table logic verification, total score verification, zero value verification, and early warning verification. The product has various built-in verifications in the regulatory system release and can also add user-defined verification configuration. The product integrates the Activity workflow engine, which can provide flexible report filling and review process configuration and support process configuration according to department lines, which is simple and easy to use. The product conforms to the CBRC report data interface specification, supports the generation of Excel reports and XML messages, and fully meets reporting requirements.
Financial statistics centralized reporting

Financial statistics centralized reporting

The PBOC financial statistics centralized reporting system provided by Yusys Technologies relies on a unified supervision platform and builds a unified index system in accordance with the concept of unified supervision, which not only satisfies the centralized financial statistics reporting of the PBOC, but also meets other supervision reporting requirements. Also, this system makes all types of supervision reports have the same statistical caliber under the same reporting index to ensure data consistency across regulatory submissions. The product supports the configuration of supervision report sample in Excel mode, and supports the verification of report data such as intra table logic verification, inter table logic verification, total score verification, zero value verification, and early warning verification. The product has various built-in verifications in the regulatory system release and can also add user-defined verification configuration. The product integrates the Activity workflow engine, which can provide flexible report filling and review process configuration and supports process configuration according to department lines, which is simple and easy to use. The product generates XML messages in accordance with the data interface specifications of the People's Bank of China to ensure the correct delivery of messages.
Reporting system of State Administration of Foreign Exchange

Reporting system of State Administration of Foreign Exchange

In order to actively promote the construction of "Digital foreign exchange management", improve data sharing service capabilities, promote the reform and development of foreign exchange management, realize unified collection of foreign exchange business data and feedback of some business data, and further standardize various foreign exchange business data collection interfaces of financial institutions, the administration issued the "Specifications for the Collection of Data on the Foreign Exchange Business of Financial Institutions (Version 1.2)". Based on years of focus on supervision business and mature technical background, Yusys Technologies has developed a foreign exchange reporting system that meets this specification. Relying on a unified supervision platform to build a foreign exchange reporting system, it mainly includes nine report modules: balance of payments (BOP), foreign exchange Account (ACC), foreign exchange settlement and sales data (JSH), capital account (CFA), own foreign debt (EXD), foreign financial assets and liabilities (FAL), institution foreign currency cash deposit and withdrawal (CWD), bank card overseas withdrawal (CRD), and bank card overseas consumption (CRX). To ensure submission flexibility, both manual and automatic submission are available. All-round tracking of the reporting process data allows customers to keep track of the trend of the submitted data.
EAST4.0 reporting

EAST4.0 reporting

Yusys Technologies’ EAST4.0 reporting product fully meets the supervision data reporting standards stipulated in the "General Office of Banking Insurance Regulatory Commission issued in [2019] No. 198". At the same time, through the analysis function of inspection results provided by the product, it not only ensures the quality of the submitted data, but also provides strong support for customers to conduct intra bank data governance. The product provides report configuration function and supports configuration changes in production mode, as well as be able to add statistical reports, change report data items, maintain report data item verification configuration, and is highly scalable. The product is based on the detailed data verification engine developed by Spark, which supports 10 billion-level detailed data verification. Through the horizontal expansion of nodes, a larger order of magnitude verification can be guaranteed. The product supports eight types of checks including null value, value range, format, table logic, table logic, total score verification, cross-supervision consistency, and number of records verifications, covering all supervision related data verification requirements.
Customer risk statistics reporting

Customer risk statistics reporting

Yusys Technologies’ customer risk statistics reporting system fully meets regulatory requirements such as the "Notice of the China Banking Regulatory Commission on Implementing the New Version of Customer Risk Statistics System" (China Banking Regulatory Commission issued in [2012] No. 39) and other regulatory requirements, helping financial institution customers to submit four corporate account reports and two individuals reports accurately and timely. Also, the system can help customer to deal with the feedback problems from CBRC, analyze and evaluate the quality of data submission, as well as fully support customer risk statistical management.
Second-generation personal credit reporting

Second-generation personal credit reporting

On June 29, 2018, the Credit Information Center of the People's Bank of China issued the interface specifications for the second-generation credit information system. On September 2, 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the P2P Online Loan Field" to support the access of P2P online lending institutions to the operation credit reporting system. Yusys Technologies designed and developed a second-generation personal credit reporting system based on the latest interface specifications of the second-generation credit reporting system issued by the People’s Bank of China, helping financial institutions to accurately and timely report personal credit data to the credit reporting center of the People’s Bank of China. The personal second-generation credit reporting includes three types of business data: basic personal information, personal loan transactions, and personal guarantee information.
Second-generation corporate credit reporting

Second-generation corporate credit reporting

On June 29, 2018, the Credit Information Center of the People's Bank of China issued the interface specifications for the second-generation credit information system. On September 2, 2019, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Loan Risks jointly issued the "Notice on Strengthening the Construction of the Credit Information System in the P2P Online Loan Field" to support the access of P2P online lending institutions to the operation credit reporting system. Yusys Technologies designed and developed the second-generation credit reporting system for enterprises in response to the latest second-generation credit reporting system interface specifications issued by the People’s Bank of China, helping financial institutions to accurately and timely report corporate credit data to the credit reporting center of the People’s Bank of China. The second-generation corporate credit reporting includes five types of business data: basic corporate information, corporate loan transaction information, corporate guarantee information, corporate credit agreement information, and mortgage (pledge) contract.
PISA reporting

PISA reporting

The PBOC payment information statistical reporting system provided by Yusys Technologies relies on a unified supervision platform and builds a unified indicator system in accordance with the concept of unified supervision. It not only meets the requirements of the PBOC’s payment information statistical data reporting, but also meets other supervision reporting requirements. The statistical calibers of all kinds of regulatory reports are consistent under the same reporting indicators, and the data consistency of cross-regulatory reports are guaranteed. The product supports the configuration of supervision report samples in Excel, and supports the verification of report data such as intra table logic verification, inter table logic verification, total score verification, zero value verification, and early warning verification. The product has various built-in verifications in the regulatory system release and can also add user-defined verification configuration. The product integrates the Activity workflow engine, which can provide flexible report filling and review process configuration and supports the process configuration according to department lines. It is simple and easy to use.
Interest rate monitoring and reporting

Interest rate monitoring and reporting

The PBOC's interest rate monitoring and reporting system provided by Yusys Technologies relies on a unified regulatory platform and builds a unified index system in accordance with the concept of unified supervision, which not only meets the PBOC's interest rate monitoring and reporting requirements, but also meets other regulatory reporting requirements. The statistical calibers are consistent under the same reporting index to ensure the consistency of data submitted across supervision reports. The product supports the configuration of the supervision report sample in Excel, and supports the verification of report data such as intra table logic verification, inter table logic verification, total score verification, zero value verification, and early warning verification. The product has various built-in verifications in the regulatory system release and can also add user-defined verification configuration. The product integrates the Activity workflow engine, which can provide flexible report filling and review process configuration and support the process configuration according to department lines. It is simple and easy to use.
Payment and settlement compliance supervision reporting

Payment and settlement compliance supervision reporting

The PBOC payment and settlement compliance supervision data reporting system provided by Yusys Technologies fully meets the payment and settlement compliance supervision data interface specifications stipulated in "PBOC issued in [2019] No. 198". According to the principle of unified management, it provides data verification, supplementary recording, progress monitoring, submission file generation, report generation, and other functions to help financial institutions reducing the degree of manual intervention and greatly improve work efficiency and quality.
Non-resident financial account tax-related information reporting

Non-resident financial account tax-related information reporting

The non-resident financial account tax-related information reporting system provided by Yusys Technologies fully meets the regulatory reporting requirements of the "Interface Specification for Tax-related Information Reporting of Non-resident Financial Accounts of Banking Depository Financial Institutions", helping financial institution customers to accurately submit report data in a timely manner, and fulfill the requirements of the State Administration of Taxation, the Ministry of Finance, the People's Bank of China, the Banking Regulatory Commission, the Securities Regulatory Commission and the China Insurance Regulatory Commission stipulated in the jointly issued "Administrative Measures for Due Diligence of Tax-related Information on Non-resident Financial Accounts"

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